31 S Cedar St, Troy, OH 45373 Property Records

Miami County property record for 31 S Cedar St, Troy, OH 45373

Property Summary

Property Type	Bank, Financial Building
Details	960 sqft · built 1940
Lot Size	0.06 acres (2,614 sqft)
Owner	Company Name on Record
Last Sale	$25,000 (Dec 2017)
Tax Bill	$311 (2025)
Deeds & Mortgages	Dec 2017 Foreclosure Dec 2017 Transfer
Flood Zone	Zone X (reduced by levee)
APN	`D08-005330`

Property Details

APN / Parcel Number

Primary APN	`D08-005330`
Alternative APNs	`050621.3-19-001-00` `D08SW045 00101`

Interior

Stories	1 Story
Building Area	960 sqft Total Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	2,614 sqft (0.06 acres)
Lot Dimensions	50 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	31 S CEDAR ST
City	TROY
State	OH
Zip	45373
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Legal Description	IN LOT 259 50 N END
Legal Lot Number	259
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	4
Census Block	4006
Census Tract	365301

Owner

Source: Miami County records, as of March 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	31 S CEDAR ST, TROY, OH 45373
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2017	Warranty Deed, Foreclosure ATTORNEY ONLY
Dec 20, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2017 · Amount on Record
Deed Sale	Dec 20, 2017 · Amount on Record
Prior Sale	Aug 25, 1993
Deed Document Number	20172017OR-15769
Prior Transfer Date	Dec 4, 2017
Prior Transfer Doc	0000015768
Record Updated	Sep 20, 2026

December 2017: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 20, 2017
Property Address	31 S CEDAR ST, TROY, OH 45373-2909
Document Number	0000015769
Instrument Date	Dec 8, 2017
Instrument	15769
Transaction Type	Foreclosure
Record Updated	Jan 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$50.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	446 S BROADWAY ST GREENVILLE OH 453311926, GREENVILLE, OH 45331-1926

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 20, 2017
Property Address	31 S CEDAR ST, TROY, OH 45373-2909
Document Number	0000015768
Instrument Date	Dec 4, 2017
Instrument	15768
Transaction Type	Transfer
Record Updated	Jan 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	446 S BROADWAY ST GREENVILLE OH 453311926, GREENVILLE, OH 45331-1926

Tax Assessment & Valuation

Source: Miami County assessment roll, as of March 6, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Concord Township
Municipality	Troy City
Unified School District	Troy City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$311.00 (+4.71%)	$5,390 (+23.91%) Land $4,410 Building $980	$15,400 (+24.19%) Land $12,600 Building $2,800
2024	$297.00 (+9.19%)	$4,350 (-) Land $3,680 Building $670
2023	$272.00 (+7.94%)	$4,350 (-) Land $3,680 Building $670	$12,400 (-) Land $10,500 Building $1,900
2022	$252.00	$4,350 Land $3,680 Building $670	$12,400 Land $10,500 Building $1,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 10, 2023

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TROY CITY PWS serves 26,305 people · EPA ID OH5501612
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 379 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon, Watch TV.

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